【中英文新聞】永豐銀行逾4千萬遭盜轉！｜美國期中選舉川普面臨考驗｜新竹湖口工廠爆炸釀大火｜味精巨頭變AI關鍵玩家？｜英國牧場靠「抱牛」開拓新收入｜20261105
目錄
2026 年 11 月 5 日｜HOT 基礎英文新聞｜S1 EP348
歡迎來到HOT基礎英文新聞，我們用基礎的英文帶你聽熱門、商業及趣味新聞！我們會分別播放中英文新聞，也建議你可以搭配逐字稿，做聽力與跟讀練習，加強學習效果喔！
※本集節目引用之新聞與圖片來源：中央社、經濟日報、聯合報、Newtalk、公視新聞網、遠見雜誌、今日新聞、Yahoo股市
第一則：永豐銀行驚傳逾 4 千萬遭盜轉 419 人受影響
永豐銀行於 11 月 3 日爆發大規模帳戶異常轉帳事件，多名用戶反映，沒有操作銀行 APP，款項卻被轉往同一個台北富邦銀行帳戶。金管會表示，共有 419 名客戶受影響，涉及 427 筆異常交易，總金額超過 4,000 萬元。
永豐銀行已先行墊款返還客戶，並下架新版 APP。不過，事件原因仍待釐清，後續將調查帳戶登入、身分驗證及交易授權紀錄，金管會也將依調查結果評估是否開罰。
Bank SinoPac Hit by Unauthorized Transfers Exceeding NT$40 Million, Affecting 419 Customers
Bank SinoPac experienced a series of suspected unauthorized transfers on November 3, with several customers reporting that money had been transferred to the same Taipei Fubon Commercial Bank account even though they had not used the bank’s mobile app. Taiwan’s Financial Supervisory Commission said 419 customers were affected, involving 427 suspicious transactions totaling more than NT$40 million.
Bank SinoPac has already reimbursed affected customers and taken the latest version of its mobile banking app offline. However, the cause remains under investigation, and authorities are expected to examine account login records, identity verification records, and transaction authorization data. The Financial Supervisory Commission will decide whether to impose fines based on the investigation’s findings.
第二則：美國期中選舉登場！川普政策引發選民不滿
美國期中選舉於 11 月 3 日登場，總統川普的移民、關稅政策，以及對伊朗開戰後高漲的油價，成為部分選民不滿的焦點。川普則在投票當天透過電視節目為政策辯護，替共和黨候選人催票。
這次選舉將決定美國國會由哪個政黨主導。多項民調預測，民主黨可望奪回眾議院多數席次，並可能取得參議院控制權。川普表示，若民主黨掌握國會，可能動用總統否決權，要求雙方協商。
US Midterm Elections Begin, Trump's Policies Draw Voter Criticism
The US midterm elections began on November 3, with President Donald Trump’s immigration and tariff policies, along with rising fuel prices since the war with Iran began, drawing criticism from some voters. On election day, Trump defended his policies during a television interview and urged voters to support Republican candidates.
The elections will determine which party controls Congress. Several polls suggest Democrats could regain control of the House of Representatives and potentially gain control of the Senate. Trump said he might use his presidential veto power to pressure Democrats into negotiations if they gain a majority in Congress.
第三則：台灣松下湖口廠凌晨爆炸！濃煙恐造成空氣污染
新竹縣湖口鄉的台灣松下工廠，11 月 4 日凌晨 2 點發生爆炸大火，現場黑煙沖天，巨大聲響與震動造成周邊部分住戶停電，甚至震碎民宅玻璃門窗。消防人員緊急趕往現場灌救，起火原因仍待調查。
起火工廠主要生產電路板及半導體封裝材料，火災產生的大量濃煙可能造成空氣污染。新竹縣政府提醒附近居民緊閉門窗，外出配戴口罩，並留意空氣品質資訊。
Explosion at Taiwan Panasonic's Hukou Factory Raises Air Pollution Concerns
An explosion and a major fire were reported at Panasonic’s factory in Hukou Township, Hsinchu County, at around 2 a.m. on November 4, sending thick black smoke into the sky and causing temporary power outages in surrounding areas, with the force of the blast even shattering glass doors and windows in some homes. Firefighters rushed to the scene to battle the blaze, while the cause of the fire remains under investigation.
The factory mainly produces printed circuit boards and semiconductor packaging materials, and the thick smoke from the fire could cause air pollution. The Hsinchu County Government urged nearby residents to keep their windows closed, wear face masks when going outside, and follow official air quality updates.
第四則：味之素不只賣味精 還掌握 AI 晶片關鍵材料
味之素從味精起家，卻意外跨進晶片產業。由於味精副產品能軟化樹脂，公司逐漸累積化學材料技術。1996 年英特爾找上門合作開發晶片絕緣材料，促成 ABF 薄膜誕生。
如今 ABF 市占達 95%，隨著 AI 晶片需求成長，也成為高獲利業務。電子材料雖只占味之素約 6% 營收，卻貢獻 30% 營業利益。原本從味精延伸的技術，成了公司跨足晶片市場的關鍵。
Ajinomoto Does More Than Make Seasoning, It Also Supplies a Key AI Chip Material
Ajinomoto started as a maker of MSG but later expanded into the chip industry. A byproduct of MSG production can soften resin, helping the company gradually develop expertise in chemical materials. In 1996, Intel approached Ajinomoto to jointly develop insulating materials for chips, leading to the creation of ABF film.
Today, ABF holds a 95% market share and has become a highly profitable business as demand for AI chips grows. Although electronic materials account for only about 6% of Ajinomoto’s revenue, they contribute 30% of its operating profit. Technology originally developed from MSG production has become a key factor in the company’s expansion into the chip market.
第五則：洪水加上乳價壓力難維生 英國牧場改賣抱牛體驗
英國鄧布牧場因連年洪水破壞草地，加上牛奶售價難以打平成本，2022 年幾乎賣掉所有乳牛。由於光靠賣牛奶難以維生，牧場便轉換經營方式，改讓遊客付 95 英鎊與牛近距離互動。
遊客可以摸牛、替牠們梳毛和擁抱牛隻，牧場也花數月找出牛隻最平靜的時段與方式，讓牠們習慣與陌生人的互動。原本仰賴牛隻生產乳品，轉型後則透過牛提供觀光與療癒體驗，讓牧場在氣候與經營壓力下找到另一種收入來源。
Floods and Low Milk Prices Hurt Business, UK Farm Turns to Cow-Cuddling Experiences
Dumble Farm in the UK nearly sold all its dairy cows in 2022 after years of flooding damaged its grasslands and milk prices failed to cover production costs. Unable to make a living from selling milk alone, the farm changed its business model and began charging visitors £95 for close-up experiences with its cows.
Visitors can pet, brush, and hug the cows. The farm also spent months identifying when the animals were most relaxed and how best to approach them, helping them become comfortable around strangers. Instead of relying on cows to produce dairy products, the farm now offers tourism and wellness experiences centered around the animals. This new approach has provided an alternative source of income amid climate-related challenges and financial pressures.
Let’s wrap up today’s episode. We’ve learned about some important events happening around the world.
Bank SinoPac reported unauthorized transfers exceeding NT$40 million, affecting 419 customers, as authorities investigate the cause of the suspicious transactions.
The US midterm elections are underway, with voter dissatisfaction over Trump’s policies and polls suggesting Democrats could regain control of Congress.
An explosion and fire at Taiwan Panasonic’s Hukou factory caused damage to nearby homes and raised concerns about possible air pollution.
Ajinomoto turned decades of materials research into a key AI chip business, showing how existing expertise can open the door to an entirely new market.
By turning cows from milk producers into part of a tourism experience, Dumble Farm has found a new source of income amid climate and business pressures.
In the next episode, we will together explore the recent hot news with you in the morning. Don’t forget to come back. Have a nice day and hear me next time. Bye.
每天早上八點更新，用簡單易懂的英文來講解最新的熱門、商業及趣味新聞，讓你輕鬆跟上時事，還能在社交場合侃侃而談，穩步提升英文實力！
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